Role Based Certification –

Important Topics for Associates

Please refer to Manual for associates available at STU site for full
course material in the below mentioned path.

Login to https://stu.statebanktimes.in
Select > ML/RBC Manuals.
Select Appropriate Role
Select Role.

Prepared by K.V.V.Ramana,
Manager Faculty, SBILD, Machilipatnam
Path for applying and approval:
Login to https://itrams.statebanktimes.in
Login with PF no & ADS or HRMS Id.
Select RBC CERT PREFERENCE.
Check your Reporting Authority Name is correct or not.
Select Suitable ROLE > Select Suitable RBC > Tick the Check
boxes > submit.
Inform your reporting authority and get it approved.
Path for approval Login to ITRAMS > Approve >
RBC CERT APPROVAL.
Officially Valid Documents (OVD’s):
(i) Passport,
(ii) Driving license,
(iii)Proof of possession of Aadhaar Number,
(iv) Voter's Identity Card issued by Election Commission of India,
(v) Job card issued by NREGA duly signed by an officer of the State
Government,
(vi) Letter issued by the National Population Register containing details
of name and address.
Deemed OVD:
(i) Utility bill not more than two months old (electricity, telephone,
post-paid mobile phone, piped gas, water bill)
(ii) Property or Municipal tax receipt
(iii) PPOs issued to retired employees by Government Departments or
Public-Sector Undertakings, if they contain the address
(iv) Letter of allotment of accommodation from employer issued by
State Government or Central Government Departments, statutory
or regulatory bodies, public sector undertakings, SCBs, FIs, listed
companies and lease and licence agreements with such employers.
The customer shall submit OVD updated with current address within
a period of 3 months
BSBD SMALL ACCOUNT
No KYC/OVD required.
It is valid for initial period of 12 months.
After initial period of 12 months another 12 months available subject to
submission of acknowledgement for applying OVD.
After 24 months No txns are allowed if OVD not submitted.
The aggregate credits of all credits in a FY does not exceed Rs.1 Lakh.
Balance in the account should not exceed 50000 at any time.
Monthly Withdrawals/transfers should not exceed 10000.
Foreign Remittances not allowed.
PEHLA KADAM & PEHLI UDAAN
Pehla Kadam is for Minor with Guardian.
Pehli Udaan is for Minors above 10 years age and who signs uniformly.
Cheque Book , ATM and INB with Limited txn rights.
Max Deposits = 10.00 lakhs.
Pehla Kadam Required Doc: DOB proof of Minor & OVD of Guardian.
Pehli Udaan Required Doc: OVD of Minor.
INB limit: 5000, IMPS: 2000
Saving Plus:
Minimum threshold: 35000
Minimum amount of MoD: 10,000 Multiples of 1,000
Resultant Balance: 25000
Period of deposit: 1 year to 5 years
MoD break when needed: Last in first out (LIFO)
Recurring Deposit (RD):
Tenure: Min = 1 Year, Max = 10 Years.
Min installment: Rural centre = 50, Other areas = 100, Multiples of 10.
Non credit of Six consecutive installments leads to premature closure.
Penalty for default in installments is 150 paisa per 100 rupee RD<=5 Y
200 paisa per 100 rupee RD >5 Y
Current Accounts:
Regular Silver Gold Diamond Platinum Rhodium
MAB 5000 50000 100000 500000 1000000 5000000
Charges for 500 + GST per 1000 + GST 2000 + GST 4000+GST per 8000+ GST MAB=<50%
non month per month per month month (if per month (if 25000 + GST
maintenance MAB< 2.5 L) MAB< 5 L) per month
of MAB
2000+GST (if 4000+GST (if MAB>50%
MAB>2.5L) MAB>5 L) 15000 + GST
per month
Current Accounts:
Power Jyoti Power Jyoti PUL ARTHIA (Commission
Agent)
MAB 50000 50000 10000
Charges for non Rs.1,000/- +GST Rs.1,000/- +GST Rs.500/- + GST
maintenance of MAB
Shubharambh Startup Current Account:
Eligibility: i) Pvt Ltd ii) LLP iii) Registered Partnership Firm.
MAB: Rs.20,000/-. There is no MAB initial 12 months.
Non-Maintaining of MAB Charges: Rs.1000 per month +GST after 12
months.
REALTORS CURRENT ACCOUNT:
RERA act came in to force since 2016.
Any Realtors who registered with RERA.
Both Residential and Commercial projects allowed.
3 types of accounts ( Acct 1,2,3). Acct 1 ( 100 % collections).
Auto transfer to Account 2 & 3 in the ratio 70:30 at end of day (EOD)
Acct 2 (70% of Acct 1)
Acct 3 ( 30% of Acct 1, used by builder to meet daily expenditure)
Surabhi Deposit Scheme:
To provide a scheme with option for sweep and reverse sweep.
Nature of deposit: SB or CA
MAB: CA=10000/- and Saving Metro/urban= 3000/-, Semi urban=2000/-,
Rural=1000.
Charges non MAB: CA: 500/-+GST
CLTD: Corporate Liquid Term Deposit. (Min: 7 days, Max: 36 months)
Amount of sweep: Threshold limit for auto sweep Rs. 1,00,000/-
Minimum Sweep Amount: Rs.1,00,000/- in multiples of Rs. 10,000/-
Resultant Balance: Rs.1,00,000/-
Reverse sweep: - Last in First Out (LIFO)
TDR/STDR:
Min: 1000, Max: No limit,
TDR : Min : 7 days, Max : 10 years
STDR: Min : 180 days, Max : 10 years
Loan amount: 90% of principal amount + accrued interest (STDR)
Loan amount: 90% of principal amount (TDR)
SBI TAX SAVINGS SCHEME:
Individuals, Karta of HUF and Minors with Guardian.
Min. 1000/-, Max. 150000/- in FY.
Lock in 5 years(No withdrawals & No Loans).
IT exemptions under 80C.
Capital Gains:
Any one can open Capgains.
Either SB with Min. 1000/- or TDR/STDR with Min. 5000/-.
Period: 2 to 3 Years
3 Nominees allowed.
FORM E ( Nomination Registration).
Form F (Modification/Cancellation of Nomination).
Form H ( Deceased settlement)
Cash withdrawal allowed upto 25000 and above 25000 paid by
issuance of demand draft/banker cheque
Nominations:
Section for nomination in BR Act 1949
Deposits- 45 ZA, Safe deposit Article/Custody - 45ZC, Locker- 45ZE.
Form registration: PPF- Form E, SCSS- Form C, Capgain-Form E.
No of nominees: SB/CA- 1 ,PPF- any no, SCSS- any no.
BCSBI and COPRA
Banking codes and Standards board of India IN Feb-2006.
2 BCSBI codes. Code for Customers & code for MSMEs i.e., SCBs,
RRBS ,UCBS and SFB
Consumer Protection act-1986.
Dist Commission up to 50 Lakh, (Appeal within 45 days)
State Commission – > 50 lakhs and =< 2 crore, (Appeal within 30
days)
National Commission – > 2 crore. (Appeal with in 30 days).
INOPERATIVE ACCOUNTS:
No debit or credit for 24 months is called Inoperative.
No debit or credit for 10 years is Unclaimed deposits.
Some of considerations for In operative account are:
TDR interest credit is ACTIVE.
Dividend credit is ACTIVE.
Third party DR/CR is ACTIVE.
SB interest is INOPERATIVE.
Charges in SB is INOPERATIVE.
It is Automated. Branch intervention not required
BEHAVIORAL SCIENCE: The seven C’s of
communication
1. Concise: Clear and focused statements
2. Complete : Clear, complete communication means imparting the
message so that the audience grasps it in the manner in which you
intended it.
3. Coherent: Coherence often comes down to structure. Organizing
your message so that each idea flows neatly into the next makes it
easier to follow and remember. Coherence is more than just
avoiding confusing sentences.
4. Clear: Clarity demands your words and delivery be free of
unnecessary or confusing vocabulary, phrasing and terminology.
BEHAVIORAL SCIENCE: The seven C’s of
communication
5. Courteous: Sometimes included as “Consideration,” courtesy is more
than just good manners.
6. Concrete: “Authoritative” and “authoritarian” are two different
words with similar but different meanings.
7. Correct: Make sure your communication is factually and
grammatically accurate to ensure your listener receives it well.
BEHAVIORAL SCIENCE: Empathetic listening
To develop YOU attitude in communication a speaker must project
“EMPATHY”.
Remember you are the bank when you deal with customer (Courtesy
rule & Positive behavior).
Customers feel at home when? ( being greeted, being listen to, when
saying disagreeable things and Talk in interesting term)
Empathy is the ability to understand and share the feelings of
another. Empathy is the ability to have a human interaction with a
customer. Being empathetic towards someone doesn’t mean that you
are agreeing with them
GARIMA (POSH):
Sexual Harassment: Physical contact and advances; or
 A demand or request for sexual favour; or
Sexually coloured remarks or remarks of sexual nature about a person's
clothing or body; or
Showing pornography, making or posting sexual pranks, sexual teasing,
sexual jokes, sexually demeaning or offensive pictures, cartoons or other
materials through email, SMS, MMS etc; or
Repeatedly asking to socialize during off-duty hours or continued
expressions of sexual interest against a person’s wishes; or
Persistent watching, following, contacting of a person; or
Any other unwelcome physical, verbal or non-verbal conduct of sexual
nature.
GARIMA (POSH):
SBI TIMES> QUICK LINKS>GARIMA
4 MIN Members required in Internal committee.
A lady in senior rank is presiding officer.
Conciliation done by IC.
AGGRIEVED WOMAN: A woman of any age, whether employed or not,
subjected to any act of sexual harassment at the workplace.
EMPLOYEE: A person employed at a workplace on a regular, temporary,
ad-hoc or daily wage basis.
RESPONDENT Against whom a complaint of sexual harassment has
been made.
GARIMA (POSH):
INQUIRY TO BE COMPLETED WITHIN 90 DAYS.
Any person aggrieved by the decision of the Internal Committee may
prefer an appeal within ninety (90) days.
Grant leave to the aggrieved woman for up to 3 months. This will be
over and above of applicable service rules in this regard.
Any person aggrieved by the decision of the Internal Committee may
prefer an appeal within ninety (90) days of the recommendations to
the Internal Appellate Committee.
YONO:
Tollfree Number for Yono 1800111101.
Features of YONO:
Relationship overview, My Balances, Spend Analysis, My Deposits,
My Dreams, Fixed Deposit, Tax Saver Fixed Deposit: (TSFD), Over
Draft against Fixed Deposit, My Borrowings, My Cards, My
Investments, My Insurances and My Rewards.
Menu for complaints is GET IN TOUCH
Path for GET IN TOUCH is Home page> Hamburger Menu> Get in
touch.
Biometric Rs. 2000
YONO LITE:
Some Features of YONO Lite:
Using QUICK TRANSFER(Without adding beneficiary ) Rs.25000/-.
OTP limit is 10000. Cant increase the limit.
m-Passbook (Available in Pre Login Screen).
m-Cash Facility.
Online Nomination
Online eLocker Enquiry.
Creating/retrieving/cancelling MMID
YONO Cash:
ATM POS – Merchant CSP S POS

Minimum 500 100 100 100

Maximum 20000 2000 10000 10000
 The Transaction Number for YONO Cash will have a validity of
maximum 240 minutes.
 Per day maximum number of withdrawals limited to TWO.
YONO KRISHI & AGRI GOLD LOAN
Reference number generated in YONO Krishi Valid for 15 days.
Incomplete application can be resumed in 30 days.
Max Loan 25.00 lakhs.
5 Gold loans under CIF.
PAN is not mandatory.
Features:
YONO Khata: Regular financial & non-financial banking services, Agriculture Gold Loan, Tractor
Loan, Kisan Credit Card
YONO Bachat: Investment products and insurance products like Mutual Funds, Life Insurance,
General Insurance, Demat accounts
YONO Mitra: Non-banking services section will offer crop advisory/animal husbandry and other
Agri related services of current market information and weather forecast etc.
YONO Mandi: Online marketplace which will enable farmers to purchase farm inputs from
merchants e.g. fertilizers, seeds, tractors, pesticides etc.
YONO CDK:
To avoid complaints in Clearing, Promote CDK.
We can submit 10 cheques at once.
Original instruments to be deposited in CDK in 30 days from the date
of generation of Reference number.
Path for Reference Number Generation:
Yono > Service request > Cheques > Cheque deposit.
Fastag:
NETC: National Electronic Toll Collection.
Works on RFID technology – Radio Frequency Identification.
Customer care help number is 1800110018.
Website https://fastag.onlinesbi.com/
NHAI has classified vehicles in to 7 Types.
Issuance fees of the Tag:- Rs. 100/-
FASTag related complaints - helpdesk.fastag@sbi.co.in
MoRTH/NHAI/IHMCL have launched 1033 helpline number for addressing
FASTAG complaints.
Full KYC FASTag Account can be recharged Rs.1.00 lakh.
BHIM SBI:
Mobile - Android 4.2 and above, with internet connection
Mobile number present in the android handset should be registered
in Bank account
Valid email address or Alternate Mobile No.
Max. limit per transaction: Rs.1,00,000/-
Max. transaction limit per day is Rs.1,00,000/
Limiting first transaction to 5000/- with a cooling ₹ period of 24
hours.
VPA is a unique id in the form of uniqueid@sbi.
BHIM SBI:
Payment Methods:
1.Virtual Payment Address (VPA)
2.Account number & IFSC Code
3.QRCode
Escalation Matrix : support.upi@sbi.co.in
Max no of accounts can be mapped in BHIM SBI Pay – No such Limit
BHARAT QR:
Pre-requisites by merchant for Bharath QR:
1. Smart mobile phone 2. Account with SBI 3. Data connection
Monthly Service Fee/Rental – Nil, Commitment Charges – Nil, MDR
charges are applicable.
 Information stored in dynamic QR code - Merchant ID, Terminal ID
and Amount.
Customer Relationship Management (CRM):
Benefits: Increased feedback, Attract more customers, and also help
retain customers. Increased revenue, Improved internal
communication Improved customer satisfaction. Follow up becomes
very easy and effective.
Retail 360 will range from basic information of the customer, to their
product holdings, to leads related to the customer, activities of the
customer and cases related to them. It will help you identify the next
product to pitch to the customer at the same time.
Services 360 will be comprehensive view of complaints and service
requests raised by SBI staff or received from other channels
Customer Relationship Management (CRM):
Leads 360 will help you with lead analysis in terms of customer
information, product and journey that the lead has traversed so far.
Role mapping to be done by BMs for all the users in the Branch.
BMs to re-allocate the leads, in case user is on leave or transferred.
An Integrated platform to engage with customers throughout the life
cycle to drive customer centric culture, enhance customer experience
and maximize customer relationship.
CRM is the solution for Improved customer acquisition, Segment
targeted products & services and Streamlined Service Management.
Digital Account & INSTA PLUS SAVINGS
ACCOUNT:
Pan is mandatory.
CDIF full form Customer data input form.
18 years, new to bank, Pan and Aadhar.
VCIP full form Video based customer identification process.
Data Quality:
Erroneous feeding of Residential Status RI/NRI:
Tax Related Non-Compliance
 FEMA related Non-Compliance
 May lead to wrong classification of risk category of the customer
 Effect on the obtention of KYC document periodicity due to wrong
classification of risk category of the customer
 Error in alert generation for transaction monitoring
Data Quality:
Erroneous feeding of Gender Male/Female/Transgender:

Wrong feeding may lead to non- compliance of Government

guidelines in extension of Gender specific subsidy benefits,
differential rate of interest in certain categories of deposit/loan
scheme etc.
May lead to wrong reporting to FIU-India
Data Quality:
Erroneous feeding of Date of Birth:
No feeding/ wrong feeding may lead to denial of Senior Citizen benefits by
the system even if they have become senior citizen or early giving benefits
who are actually not the senior citizens. In both cases, it will lead to
regulatory guidelines non-compliant
 Minor may open their accounts in major head category, may lead bank to
land into trouble under Contract Act.
Impact the quality and result of name screening against the negative lists
May mislead the case manager at AMLCFT while analysing case / alert
generated in the account (due wrong calculation of age such as students/
senior citizen etc.)
Conversion of accounts from minor to major, after the customer turns 18,
will be impacted.
Data Quality:
Erroneous feeding of Customer Type:
Normal, Small or Minor. Wrong classification may deny some benefits
that accrue to some category or may give wrongful benefits that does
not accrue to that category, which is against extant Regulatory
guidelines
 Impacts the Customer Risk Categorization
 Impacts the generation of alerts for transaction monitoring
 May lead to wrong reporting to FIU-India
Data Quality:
Erroneous feeding of Nationality:
Regulatory guidelines prohibit certain country’s citizens to be on-
boarded, Not feeding document based correct Nationality may lead
to on- Boarding of customers of blacklisted nations.
Impacts the Customer Risk Categorization
Impacts the generation of alerts for transaction monitoring
Data Quality:
Erroneous feeding of Occupation type/Income:
AML/CFT department undertakes monitoring of transactions to
analyse unusual trend of transactions, un-matching with the status of
the account holder. Wrong feeding of occupation code or no feeding
may lead AML/CFT department to draw wrong conclusion and wrong
reporting to FIU-IND.
Impact on risk categorization of the customer
Impacts the generation of alerts for transaction monitoring
Wrong reporting to FIU-India in ground of suspicion while filing STR.
UNAUTHORIZEDELECTRONIC TRANSACTIONS:
Reporting: 5 ways
1. IVR (18001234, 1800111109, 18002100)
2. Email: unauthorisedtransaction@sbi.co.in
3. SMS: 9223008333.
4. Website (CRM Portal): https://crcf.sbi.co.in/ccf
5. Branch
If customer negligence found ENTIRE LOSS to be borne by customer
As per RBI shadow reversal in 10 days.
UNAUTHORIZEDELECTRONIC TRANSACTIONS:

Time taken to report the fraudulent transaction Customer’s liability

from the date of receiving the communication

within 3 working days Zero Liability

As per transaction value and type

within 4 to 7 working days of account as per table above

Beyond 7 working days Full Liability

UNAUTHORIZEDELECTRONIC TRANSACTIONS:
KYC/AML/CFT Policy:
Four Key Elements:
Customer Acceptance Policy
Customer Identification Procedures
Monitoring of Transactions and
Risk Management.
AML/CFT Cell at Jaipur and Principal Officer = for the Bank is General
Manager (AML-CFT)
Monitoring of transactions for the purpose of generating STR is being done
with the help of = AMLOCK software
AMLOCK software acquired from = M/s 3i-Infotech
e mail ID for reporting STR = agm.alerts@sbi.co.in
KYC/AML/CFT Policy:
(a) Cash Transactions Reports (CTRs) >10L - 15th of succeeding month.
(b) Counterfeit Currency Reports (CCRs)- 15th of succeeding month.
(c) Suspicious Transactions Reports (STRs) - Within 7 days.
(d) Non Profit Organisations Txn. Report (NTRs) - 15th of succeeding
month.
(e) Cross Border Wire Transaction Reports (CBWTR) - 15th of
succeeding month.
Money Laundering:
Placement: Money generated from criminal activities, introduces the
illegal funds into the financial systems.
Layering: Money Launderer typically engages in a series of continuous
conversions or movements of funds, within the financial or banking
system by way of numerous accounts, so as to hide their true origin
and to distance them from their criminal source
Integration: Finally acquiring wealth generated from the transactions
of the illicit funds.
Politically Exposed Persons:
PEPs are individuals who are or have been entrusted with prominent
public functions in a foreign country carries HIGH RISk.
Ex:Heads of States / Governments, senior politicians, senior
government/judicial/military officers, senior executives of state-
owned corporations, important political party officials, etc.
We need to verify Accts of Family & Relatives, but we will not classify
the Family & Relatives as PEPs.
Before opening of Acct Controllers permission is required , If branch
is headed by SMGS-IV AND ABOVE with their approval acct can be
opened.
Partnership Firms:
Documents or the equivalent e-documents thereof are required to be
obtained for customer identification:
(i) Registration Certificate;
(ii) Partnership deed;
(iii) Permanent Account Number of the Partnership firm;
(iv) Copies of the OVDs, containing details of his identity and address,
one recent photograph and PAN / Form 60 in respect of beneficial
owner, managers, officers or employees, as the case may be,
holding an attorney to transact on its behalf.
(v) Partnership Letter(cos-37) is also mandatory to open Partnership
Account
Trusts / Foundations:
Documents or the equivalent e-documents thereof are required to be
obtained for customer identification:
(i) Registration certificate;
(ii) Trust deed;
(iii) Permanent Account Number or Form 60 of the Trust / Foundation,
(iv) Copies of the OVDs, containing details of his identity and address,
one recent Photograph and PAN / Form 60 in respect of beneficial
owner, managers, officers or employees, as the case may be,
holding an attorney to transact on its behalf.
Accounts of Unincorporated Associations or
Body of Individuals:
Documents or the equivalent e-documents thereof are required to be
obtained for customer identification:
(i) Resolution of the managing body of such association or body of
individuals;
(ii) Permanent Account Number or Form 60 of the Unincorporated
Association or a Body of Individuals
(iii) Power of attorney granted to transact on its behalf;
(iv) Copies of the OVDs, containing details of his identity and address, one
recent photograph and PAN / Form 60 in respect of beneficial owner,
managers, officers or employees, as the case may be, the person holding
an attorney to transact on its behalf and
(v) Such information as may be required to collectively establish the legal
existence of such an association or body of individuals
Hindu Undivided Family (HUF):
Documents or the equivalent e-documents thereof are required to be
obtained for customer identification:

(i) Declaration from the Karta,

(ii) PAN OR Form 60 of the HUF,
(iii) Copies of OVDs, containing details of identity and address, one
recent photograph and PAN / Form 60 of the Karta, and
(iv) Prescribed Joint Hindu Family Letter signed by all the adult
coparceners.
Companies:
Documents or the equivalent e-documents thereof are required to be
obtained for customer identification:
(i) Certificate of Incorporation;
(ii) Memorandum and Articles of Association;
(iii) Permanent Account Number of the company ;
(iv) A resolution from the Board of Directors and power of attorney granted
to its managers, officers or employees to transact on its behalf; and
(v) Copies of the OVDs, containing details of his identity and address, one
recent photograph and PAN / Form 60 in respect of beneficial owners,
managers, officers or employees holding an attorney to transact on its
behalf.
Sole Proprietary Firms:
Documents or the equivalent e-documents thereof are required to be obtained for customer identification:
(i) Registration certificate (in the case of a registered concern),
(ii) Certificate / license issued by the Municipal authorities under Shop & Establishment Act.
(iii) Sales and Income Tax returns,
(iv) CST / VAT / GST certificate (provisional/final),
(v) Certificate / Registration document issued by Sales Tax / Service Tax / Professional Tax authorities,
(vi) IEC (Importer Exporter Code) issued to the proprietary concern by office of DGFT / License / Certificate of
practice issued in the name of the proprietary concern by any professional body incorporated under a statute.
(vii) The complete Income Tax Return (not just the acknowledgement) in the name of the sole proprietor where
the firm’s income is reflected, duly authenticated / acknowledged by the Income Tax authorities.
(viii) Utility bills such as electricity, water and landline telephone bills in the name of the proprietary concern
CBS Screen Numbers:
CIF creation screen : 62001
Duplicate CIF Search: Customer Management >> Create >> Personal
Customer Search (Screen No.70660 Duplicate CIF Search.
Customer Management > FATCA/CRS Details > On boarding >
Individual > Details capture for personal Customers > FATCA/CRS
Details Capturing Menu Screen 70701 > Details capture screen.
CIF Change: Customer Management >> Amend >> Customer Details
Screen No. 067050.
Change Identification details : Screen Number 067100 CIF
CBS Screen Numbers:
While creating new Non-Personal CIF: Screen No. 67113 to add the
Beneficiary details.
Mode of Operation : Screen No. 7050-7151
Hold (Lien) Marking: Screen No. 9093.
Debit freeze in CBS through: Screen No.9091
Home Loan:
Age: 18-70 (Home Loan should be closed before the borrower
reaches the age of 70 years).
Co applicants: 3
Second CIC is CRIF HIGHMARK.
Loan to Value (LTV):
90% for loan upto Rs.30 lacs,
80% for Rs.75 lacs &
75% for loan above Rs.75 lacs.
SBI Maxgain:
Eligibility: Both Existing / Prospective customers having minimum
balance of Rs.5000/- in their SB/CA.
Term: Upto 30 years subject to liquidation of the Home Loan before
the borrower reaches the age of 70 years.
Minimum Rs. 20 lac.
Maximum Rs.3 Crores.
Special Feature: INB & Cheque book to be issued after full
disbursement
SBI Reality:
Age: Minimum 18 years & Maximum: 65 years
Loan Amount: Minimum Rs. 5 lakh & Maximum Rs.15 crores.
Purpose: i) Purchase of a residential plot located within the municipal/
corporation area of Urban/Metro Centres with population of 1 lac and
above as per the latest available census data for the purpose of
construction of a house.
ii) Purchase of Plots located outside municipal/corporation area will be
permitted under specific conditions.
Moratorium: No
Special Feature: Construction to be completed within 3 years from the
date of 1st disbursement.
NRI Home Loan:
Age: Min: 18 years, Max: 60 years.
Term: 30 years.
Loan amount: Min: 3 Lakh, Max: No upper limit.
Facility: TL or OD
LTV ratio for more than 75 lakhs for salaried is 75%
SBI FLEXIPAY HOME LOAN:
 Age: Minimum : 21 years & Maximum : 45 years.
 Salaried employees having age of 21 years and above but not more than
45 years with minimum 2 years of experience.
 Minimum loan amount Rs. 20.00 lakhs.
 Max Loan amount: 1.2 times the loan amount calculated as per the
normal method.
 Maximum age of borrower extended up to 75 years.
 Moratorium: For ready built house 36 months For under construction
property 36 months + residual construction period maximum not to exceed
60 months.
Interest servicing mandatory during moratorium.
SHAURYA FLEXIPAY HOME LOAN:
Flexi Home Loan to Defence Personnel.
Age: Minimum : 21 years & Maximum : 45 years.
Min Loan: 10 Lakh, Max Loan: 10 Crore.
SBI PRIVILEGE HOME LOAN & SBI SHAURYA
HOME LOAN:
SBI Privilege Home Loan: Employees of Central / State Governments
(including PSBs, PSUs of Central Government, and other individual(s)
with pensionable service.)
SBI Shaurya Home Loan: Defense Personnel belonging to Army, Navy
and Air force.
Min 10.00 lakhs : Max. 10 crores.
Term: Minimum - 5 years Maximum - 30 years subject to borrower
liquidating the loan before 75 years of age.
Repayment period 30 years subject to closure by 75 years.
HOME LOAN TOP UP:
Eligibility:
Category I- All new Home Loan customers, acquiring Ready to move in Properties,
simultaneously along with new Home Loans and all existing Home Loan
customers having less than 12 months satisfactory repayment track record.
Category II- All existing Home Loan customers with a satisfactory repayment
record of at least one year.
Tenor: Residual tenor of Home Loan or 15 years whichever is higher.
Min. & Max. Loan:
Category I- Minimum Rs. 2 lac & Maximum Rs. 50 lac
Category II- Minimum Rs. 2 lac Maximum- no upper ceiling.
No moratorium.
Up to Rs. 5 lac no extension of EM; beyond that Extension of mortgage.
YONO INSTA HOME TOP UP LOAN:
Eligibility:
(a) Minimum Home Loan Limit of Rs. 10 lacs with INB facility,
(b) Minimum residual tenure of Home Loan of 3 years,
(c) Satisfactory track record of 1 years or more,
(d) The customer should not have any live Home Top-up Loan,
(e) No instance of the Home Loan account slipping to RG-2 or further in the
past,
(f) CIBIL Score of 650 or higher,
(g) 8% of Home Loan Limit, Minimum Loan Amount – Rs. 0.50 lacs
Maximum Loan Amount – Rs. 8.00 lacs, (whichever is Lower).
LOAN AGAINST PROPERTY:
Eligibility: Employees, Businessmen, Professionals and Self-employed
Individuals who are IT assesses, Non-Resident Indians (NRIs) who own
residential property or commercial property in his/her own name or
in the name of spouse/ children/parent/sibling.
Minimum NMI of Rs.25000/-(or Rs.3.00 lakh per annum).
Loan Tenor: Minimum 5 years; Maximum 15 years.
Loan Amount: Minimum Rs. 5 lakh; Maximum Rs. 7.50 crore subject
to location of property.
No moratorium.
Minimum CIBIL score 700.
SBI Car Loan Scheme:
AGE: 21-70 years.
Min NAI – For Salaried, Self-employed/Business – 3.00 lakh.
Agriculturists – 4.00 lakh.
The maximum number of applicants should be restricted to two.
Loan Tenor: Maximum 7 years (Loan should be closed by 75 years).
Loan amount: Min 1 Lakh, Max. Salaried: The maximum 48 times the net monthly
income of salaried persons. Self-employed, Professionals, Business Up to 4 times
the Net Profit or Gross Taxable Income per annum as per ITR, Agriculturists Up to
3 times the NAI.
MARGIN: 15% on road price. The concessionary margin of 10% will continue in
case of customers under salary package/ tie-up.
EMI/NMI: Up to Rs.5 Lakhs – 50% >5 Lakhs to Rs.10 L -60% > Rs.10 Lakhs - 65%
SBI Loyalty Car Loan Scheme:
Housing loan borrowers of SBI, & Satisfactorily serviced the loan for
at least one year after the moratorium period. Min NAI – Rs.2 lakh.
Tenor: Maximum 7 years.
Loan Amount: i) 100% Ex-showroom of the vehicle or ii) eligibility as
per EMI/NMI or iii) 75% of present market value of the house
property less present outstanding in the Home Loan account and
Home Equity, if any (whichever is lower).
Extension of equitable mortgage is not required up to Rs 10 Lakh.
EMI/NMI: Up to Rs.5 Lakhs – 50%; >5 Lakhs to Rs.10 L - 60%; > Rs.10
Lakhs - 65%
NRI Car Loan Scheme:
Age: Min: 21 years, Max: 70 years.
Having NRI account with SBI for at least 12 months with min. Average
balance of Rs. 50,000/- or New Account with USD 5000/- or
equivalent.
Min Income: For Borrower: Minimum NMI US $ 1000 or equivalent in
other currencies Or Minimum NAI US $ 12000 or equivalent in other
currencies.
Tenor: 7 years Loan account should be closed borrower attains 75
years
Loan amount: Minimum Loan: Rs.1.00 Lakh Maximum Loan Amount:
- 18 times of NMI (of Borrower)/ 1.5 times of NAI (of Borrower).
Assured Car Loan Scheme :
No income proof required.
Income Declaration by borrower accepted.
Min: 1 lakh. Max: 100 % on road price finance with 100% FD Value.
Age – Min: 18 yrs, Max: No limit.
Loan Tenor: 3-7 years.
Margin: Nil.

#SBI GREEN CAR LOAN (ELECTRIC VEHICLE) SCHEME: As applicable of

SBI Car loan except the repayment (Minimum 3 Years; Maximum 8
Years.
SBI Two Wheeler Loan Scheme:
Age: Min: 21 Years, Max: 57 Years.
Loan available even for Salaried person having Net Monthly Income
as low as Rs 12500 or others having Net Annual Income of Rs 150000
only.
Loan Tenor: 36 -48 months Subject to condition. Loan must be closed
on or before the borrower attaining the age of 60 years.
Loan Amount: Minimum loan amount will be Rs.20,000 and
Maximum less than Rs.3,00,000 subject to EMI/NMI ratio of 50%.
Margin: 15% on the on-road price of the vehicle.
CIC Score: Minimum 700 for all applicants.
High Value Super Bike Loan:
Age: Min: 21 Years, Max: 57 Years.
Tenor: 48 months Subject to condition. Loan must be closed on or
before the borrower attaining the age of 60 years.
Loan Amount: Min: 1.50 lakh, Max: 25.00 Lakhs
Margin: 15% of On-road price of the vehicle for all applicants.
EMI/NMI: 50%.
SBI Student Loan Scheme:
Eligibility: Graduation courses: Btech, BE, B.A, B.Com., B.Sc., etc.
Post-Graduation courses: Master’s Degree and Ph.D.
Loan Amount: Studies in India - Max Rs. 10.00 lakh, Medical – 30
lakh, Abroad – 7.5 lakh, Top 100 Institutes by NIRF – 50 Lakh.
MARGIN: Up to Rs. 4 Lacs: Nil, Above Rs. 4 Lacs: 5% for studies in
India, 15% for studies abroad.
Loan Tenor:
Moratorium - Course period + 1 year, or 6 months after getting job,
whichever is earlier.
Repayment : Up to 15 years after the commencement of repayment.
SBI Student Loan Scheme:
SECURITY:
Up to Rs. 7.5 Lacs: No Collateral Security or third party guarantee
Above Rs. 7.5 Lacs: Tangible collateral security (Realisable value
should cover 110% of the loan amount)
Borrower/ co-borrower/ guarantor should not have any adverse
credit history.
Communication of Sanction/ Rejection is to be conveyed to the
applicants within 15 days of receipt of all the required documents.
SBI Scholar Loan Scheme:
Eligibility: Student should be an Indian National and must have secured admission to full
time professional/ technical courses through Entrance Test/Selection process in any of the
selected Premier Institutes.
Loan Tenor: Moratorium - Course period + 1 year, or 6 months after getting job, whichever
is earlier.
Repayment : Up to 15 years after the commencement of repayment.
Loan Amount:
List – AA : Un secured - Up to Rs. 50 Lakh, Secured – No cap.
List – A: Up to Rs. 40 Lakh, Secured – No cap.
List – B: Up to Rs. 30 Lakh, Secured – No cap.
 List –C: Up to Rs. 7.50 Lakh, Secured – 30 Lakh.
Margin: Up to 4 Lakh: Nil, Above Rs.4 Lakh up to Rs.7.50 Lakh – 5%.
Above 7.50 Lakh - Nil
GLOBAL ED-VANTAGE Scheme:
For pursuing full time regular courses in foreign colleges/universities.
Regular full time Courses in Institutions/ Universities of USA, UK,
Canada, Australia, Europe, Singapore, Japan and Hong Kong & New
Zealand .
Tenor: Moratorium - 6 months Repayment: Up to 15 years.
Loan Amount: Minimum:Rs.7.5 Lakh Maximum: Rs. 1.5 Cr.
MARGIN: Loans above Rs.7.5 lakhs & upto 20 lakhs: 15%, Loans
above Rs.20 lakhs :10%
Tangible Collateral Security to the extent of 100% of the Loan Limit
for liquid Securities and 110% for security in form of land/ building.
SBI Skill Loan Scheme:
Courses run by Industrial Training Institutes (ITIs), Polytechnics,
training partners affiliated to National Skill Development Corporation
(NSDC)/ Sector Skill Councils, State Skill Mission, State Skill
Corporation.
Moratorium: Courses duration1 year: 12 months from the
completion of the course.
Loan Tenor: Loans up to Rs 50,000: Up to 3 years Loans between Rs
50,000 to Rs 1 lakh: Up to 5 years Loans above Rs. 1 lakh: Up to 7
years.
Loan Amount: Minimum : Rs. 5000 Maximum : Rs. 1,50,000.
Margin: Nil
SHAURYA EDUCATION LOAN:
Education Loans for wards of DSP/ICGSP Officers in all Ranks, a new
scheme “Shaurya Education Loan” for Studies in India & for Studies
Abroad has been developed.
Studies in India- up-to Rs. 40 Lakhs.
Studies Abroad- up-to Rs.1.50 Cr.
Margin: Upto 4 Lakhs- NIL, Above 4 Lakhs- 5%, Upto Rs. 7.5 lakhs:
NIL,
Above Rs. 7.50 lakhs & above : 100% of Loan amount, or 110% of
loan amount.
Repayment: 15 years post completion of course and moratorium
period.
SBI PERSONAL GOLD LOAN SCHEME:
Age: 18 years.
Minimum: Rs.20, 000/-, Maximum: 50.00 Lakhs.
Repayment: 36 months.
Margin: 25% for Public and Staff.
GOLD LOANBULLET REPAYMENT: Maximum repayment period is 12
months and Margin:35%.
SBI REALTY GOLD LOAN:
SBI Realty Gold Loan can be availed by pledge of gold ornaments including gold
coins sold by Banks (Out of total Gold ornaments to be pledged the weight of
Gold Coin(s) does not exceed 50 grams per customer) to meet undernoted
requirement: i) Margin money requirement in housing loan. ii) Registration
charges of house property. iii) Project price escalation.
Age: 18 years above.
Maximum: Rs. 50 lakh, Minimum: Rs 50,000/-
SBI Realty Bullet Repayment Gold Loan: Facility: Demand Loan; Margin: 35%;
Period of Loan: Max: 36 months.
SBI Realty Liquid Gold Loan: Facility: Overdraft with provision of Cheque Book,
Margin: 25%. Period of Loan: Maximum: 36 months subject to review after every
12 months.
SBI Realty EMI Gold Loan: Facility: Demand Loan; Margin: 25%; Period of Loan:
Max: 36 months
XPRESS CREDIT SCHEME:
Eligibility: Permanent employees having Salary account with us. The
min. Net Monthly Income (NMI) should be Rs 15,000 up to 1.00 lakh.
Minimum of 1 year’s length of service.
Loan amount: Term Loan: Minimum: Rs.25,000/-Maximum: 24 times
NMI subject to Maximum of Rs. 30.00 lakh.
Tenor: 72 months and loan should be closed by the age of 60 years.
SBI INSTA CREDIT: TOP UP LOAN ON INB &
YONO PLATFORM:
Satisfactory repayment record of at least 1 year
The customer should not have an existing Top up Loan
No instance of the Xpress Credit Loan slipping to RG 2 and beyond in
last 1 year.
Repayment of Loan will be only through SI.
The Top up loan is 20% of the original loan limit.
Maximum – 3 Lakh.
Age: 18 – 59.
Xpress Lite:
Net Monthly Income: 7000 to 14999/-.
Loan amount: Min: 25000/-, Max: 180000/-. Subject to 12 months
NMI.
Term: 36 months or residual service whichever is less.
Facility: Term Loan.
Xpress Flexi Scheme:
Eligibility: Diamond Salary Package and Platinum Salary Package.
Loan Amount:
Diamond Salary Package – Min: 1 Lakh Max: 20 Lakh. Subject to
EMI/NMI =< 55% and 24 times of NMI.
Platinum Salary Package: Min: 1 Lakh Max: 25 Lakh. Subject to
EMI/NMI =< 60% (NMI is 1 to 2 Lakh), EMI/NMI =< 65% (NMI is >2
Lakh) and 24 times of NMI.
Facility: Overdraft.
Term: 72 months.
Xpress Elite:
Eligibility: NMI >= 1 Lakh.
Facility: Term Loan.
Loan amount: Min: 3.00 Lakh, Max: 35.00 Lakh subject to 24 times
NMI
EMI/NMI =< 60% (NMI =< Lakh), EMI/NMI =< 65% (NMI is >2 Lakh).
SBI PENSION LOAN:
Age: The pensioner/family pensioner should be below 76 years of
age.
Repayment Period: Max 72 months, subject to full repayment of loan
by 78 years of age.
Loan amount: EMI/NMP not to exceed 50% for Pensioners and 33%
for Family Pensioner Minimum Rs.25,000/-
Maximum Amount:
JAI JAWAN PENSION LOAN:
Facility: Term Loan
Minimum Loan amount: 25000/-
EMI/NMP: Not to exceed 50%.
Repayment period: for all categories of pensioners has been
restricted to maximum 72 months, subject to full repayment of loan
by 78 years of age.
Maximum Loan Amount:
Age Max Loan amount Ceiling
Up to 56 years 36 months pension 14 Lakh
Above 56 years 18 months pension 14 Lakh
PAPNL:
Min Loan amount: 25000/-
Max Loan: 18 times of NMP subject to maximum of 5.00 Lakh and
EMI/NMP =< 50%.
Age: Max 71 years 9 months (72 months).
Repayment: 72 months repayable by 78 years.
Online Overdraft against TDR/STDR:
For customers having Internet Banking and Fixed Deposit Accounts (e-STDR/TDR)
in single name only.
The facility of online OD is not available against NRE/NRO/ FCNR (B) Fixed
deposits, MODs & Tax Savings Fixed Deposits.
Minimum loan amount is Rs.5, 000/- and maximum Rs.5.00 Crore.
The Limit of overdraft against STDR/eSTDR will be by default 90% of the face
value of STDR/eSTDR& against TDR/eTDR will be by default 75% i.e., customers
will have no choice to fix the lower limit.
The Loan Tenor will be minimum 6 months & maximum 12 months.  The Loan
will be repayable by way of EMIs. Standing Instruction (SI) for EMI payment will
be automatically set up on Savings Bank Account of the customer.
Interest Rate will be 1.00% above the Interest payable on the Fixed Deposit.
Other Demand Loans Against Security:
Demand Loan against STDR/STDR:
Margin:
5% on (P + AI), if residual tenure is =< 36 months.
10% on (P + AI), if residual tenure is > 36 months and =< 60 months.
15% on (P + AI), if residual tenure is >60 months.
Digital Loans:
1. Pre-approved Xpress Credit (PAXC) up to Rs. 8 lakh
2. Pre-approved Pension Loans (PAPNL) up to Rs. 5 lakh
3. Xpress Credit Insta top-up up (PAITXCL) to Rs. 3 lakh
4. Pre-approved Personal Loans (PAPL) up to Rs. 2 lakh
5. Pre-approved Insta Top-up Home Loans (PAITHL) up to Rs. 8 lakh
6. Pre-approved Insta Top-up Pension Loans (PAITPNL) up to Rs. 2.8
lakh.
 Yours,
Ramana